Business Owners & Policyholders

Less paperwork. More cash savings and peace of mind.

RPM uses your actual payroll to calculate premiums, reducing upfront costs and minimizing audit issues. We simplify workers’ comp with payments that move with your payroll. And with our friendly support team, you’re never left to figure things out alone.

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National Confidence

10,000+

growing businesses

2,000+

agents

100+

carriers and major payroll providers

Let's Work Together

The RPM Advantage

We’re not your typical workers’ comp service

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No large upfront premiums

RPM Advantage:

Pay As You Go lets you only pay for each payroll cycle without large deposits. This keeps your cash flow steady and frees up working capital all year long.

No surprise audit bills at year-end

RPM Advantage:

Payments adjust automatically every pay period, so payments stay accurate. You avoid costly surprises and end the year knowing everything adds up.

No self-reporting and endless forms

RPM Advantage:

Let our knowledgeable team handle onboarding and reporting for you. This means fewer forms, less confusion, and a smoother process that saves time both for you and your team.

No need to switch providers

RPM Advantage:

There’s no need to change your payroll company or agent. We’ll work with your carrier so you can keep the payroll you trust without the hassle of switching.

Human support, not call center bots

RPM Advantage:

When you need support, we’re just a phone call away. Get reliable human support from our friendly, knowledgeable team helping you with questions, updates, and providing support every step of the way.

Your data and premiums are always protected
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We earn trust through accuracy, transparency, and security. And our reputation speaks for itself. Every transaction is protected with encrypted systems and clear reporting. 

Why businesses trust RPM:
  • We manage premiums for thousands of businesses across the country with accuracy
  • Our encrypted systems and strict access controls keep your data secure
  • Every payroll includes itemized reports showing premium breakdowns by class code for full visibility and zero confusion

Real people. Real support. Every time.

You’re never on your own when it comes to workers’ comp and payroll. With Reliable Premium Management, every call connects you to a real person who knows your business and cares about your success.

Talk with a human
How It Works
You’re just three steps away from
better workers’ comp
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01.

Connect your payroll

We link with your payroll provider and current insurance carrier. We handle setup, you handle business. 

02.

Premiums calculated for you, every time

Each pay period, premiums are calculated in real-time based on your payroll and sent to your carrier. Improve cash flow, reduce stress. 

03.

Pay as you go, with full support

Our team is always here to help with questions, updates, and audits. We’re real people, and we have your back.

Get started with RPM

Our Services

Simplify payments. Eliminate Surprises. Stay compliant.

Pay As You Go workers’ comp

Pay As You Go ties your workers’ comp premiums to actual payroll, easing cash flow and reducing audit-related stress.

  • Pay only what you owe, when you owe it
  • Improve cash flow and financial stability
  • Reduce audit stress with real-time accuracy
Learn more about Pay As You Go

Audit review assistance

We review and reconcile our clients’ annual audits at no extra cost to ensure accuracy and prevent costly year end surprises. 

  • Expert review of class codes and payroll data
  • Quick resolution of audit discrepancies
  • No charge audit support for all RPM clients
Learn more about Audit Reviews
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Success Stories
Why our partners have put their trust in us

Reliable Premium was one of the best payroll and insurance-related companies that I have ever done business with, and I was grateful for their exceptional customer service. They made the setup and moving forward process easy to use. Our WC + GL auditors loved the easy-to-understand and per-payroll pay as you go data. They made my job much easier—especially for audits. I would highly recommend Reliable Premium to any company, regardless of their company size or payroll process.

- Jessica Lyon at Rays Restaurant

Reliable Premium made the process over four years easy. I wish the best for y'all.

- Andy at Foghorn Delivery Services

Wow, that was just too easy. In this world of insufferable passcodes, secondary confirmations, security codes, and so forth and so on, which I just can't stand, this was so nice.

- Glenn S. Bromley, Assistant Controller at Landmark Hospitality

Who We Serve

Any payroll. Any carrier. One payments partner.

Frequently Asked Questions

Take the guesswork out of workers’ comp

  • What is Pay As You Go workers’ comp?

    Pay As You Go (PAYGO) workers’ compensation is an insurance payment model where a business’s premiums are calculated based on actual, real-time payroll wages, rather than an annual estimation, reducing the risk of a large, unexpected bill at the end of the year.

  • How does RPM’s Pay As You Go service help my business?

    We simplify workers’ compensation insurance through a flexible, “pay as you go” model that works with any payroll provider. Instead of estimating payroll and paying premiums upfront, we calculate and collect accurate premiums for you, each time your payroll is run – whether weekly, biweekly, or monthly. This precise payment and improved cash flow management system means you only pay for exactly what’s owed, exactly when it’s owed.

    Because we connect directly with the policyholder’s (insured’s) payroll provider, we can calculate, collect, and remit work comp premiums to carriers. This minimizes costly audit surprises at the end of the year and helps policyholders avoid administrative headaches. Plus, there’s no need to switch providers. Our service can be integrated with over 100 carriers and any payroll provider, giving you more flexibility.

  • Are there any hidden costs with RPM Pay As You Go?

    With our service, what you see is what you get. After an initial one-time setup fee, there are no hidden costs. We charge policyholders a flat fee per payroll run (weekly, biweekly, or monthly). The rest is just simple, accurate premiums based on real-time calculations.

  • What is a payroll report?

    A payroll report is a document that summarizes employee pay information during a specific period, including wages, taxes, deductions, and benefits.

  • What is workers’ comp?

    Workers’ compensation is a type of insurance that provides wage replacement and medical benefits to employees who are injured or sick due to something that happened at work. Employers are usually required by state law to carry workers’ compensation insurance, making it mandatory in most industries. If you need guidance with workers’ comp insurance pay as you go services and the audit process, our specialists are ready to help. Simply fill out our online form or call 320-203-0700.

  • Does RPM work with my existing payroll provider?

    As an independent provider, we’re unaffiliated with any specific payroll provider, insurance agent, broker, or carrier. That means you can enjoy all the benefits of our Pay As You Go service with any carrier and payroll provider.

  • How do I get started with RPM as a business owner or policyholder?

    If you are a business owner or policyholder setting up RPM for the first time, we’ve made the process super simple for you!

    What to do:

    1. To start onboarding with RPM, complete the online authorization form. You will need your Workers’ Comp policy and Payroll information.
    2. Once your online authorization form is submitted, our team will review your details and contact you to complete your setup process.
Find More Answers
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Have questions?

Whether you’re ready to set up a call, or you’d just like to get to know us better with a few questions, we’re happy to help.

Here’s what you can expect:
  • Access to experts when you need them
  • Accurate, friendly, and human support
  • An unparalleled level of knowledge
  • Respect, no matter the size of your company
Looking to submit an authorization form?
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